It’s hard to miss the ads from car insurance companies like GEICO and Progressive that claim huge savings, so you should just choose the one with the most memorable commercial, right?
It’s just not that easy, however, as there are a whole slew of unknown factors like your age, if you own a home, if you have any tickets or accidents, and whether you are married or single, that all factor into the price you pay. The information below covers some of these topics and also should give you a good beginning to your quest for cheaper car insurance in Nevada.
The vehicle model to be insured is probably the most important factor that determines whether or not you find economical coverage for felons. Vehicles with average performance, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models. The information below shows insurance rates for a handful of the more affordable automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $2,474 |
| Ford Escape Limited 4WD | $2,677 |
| Ford Edge SE 2WD | $2,720 |
| Honda CR-V EX 2WD | $2,838 |
| Chevrolet Impala LS | $2,870 |
| Chevrolet Malibu LT | $2,981 |
| Ford F-150 SVT Raptor Super Cab 4WD | $2,989 |
| Honda Civic LX 4-Dr Sedan | $3,023 |
| Toyota Corolla LE | $3,077 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $3,134 |
| GMC Sierra SL Crew Cab 2WD | $3,143 |
| Ford F-350 Super Cab Cabela Package 2WD | $3,191 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $3,197 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific Las Vegas, NV garaging location which can modify insurance rates considerably.
Looking at the numbers, you can assume that models like the Honda Accord, Ford Escape, Ford Edge, Honda CR-V, and Chevrolet Impala are most likely going to be the most economical vehicles to insure for felons.
For felons, one of the big criteria that aid in calculating auto insurance rates is where your car is garaged in Las Vegas. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The table below lists the highest-priced areas in Nevada for felons to buy an auto insurance policy in. Las Vegas is listed at #7 with an annual rate of $1,873 on average, which is around $156 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Winchester | $2,158 |
| 2 | Sunrise Manor | $2,069 |
| 3 | Paradise | $2,001 |
| 4 | Spring Valley | $1,980 |
| 5 | Enterprise | $1,908 |
| 6 | North Las Vegas | $1,882 |
| 7 | Las Vegas | $1,873 |
| 8 | Henderson | $1,697 |
| 9 | Boulder City | $1,541 |
| 10 | Mesquite | $1,365 |
| 11 | Pahrump | $1,323 |
| 12 | Sun Valley | $1,305 |
| 13 | Reno | $1,282 |
| 14 | Sparks | $1,265 |
| 15 | Spanish Springs | $1,229 |
| 16 | Carson City | $1,158 |
| 17 | Dayton | $1,141 |
| 18 | Elko | $1,125 |
| 19 | Gardnerville Ranchos | $1,116 |
| 20 | Fernley | $1,115 |
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Premium costs are approximated as zip code location can decrease or increase coverage prices significantly.
The information below highlights how deductible selection can increase or decrease insurance costs when getting quotes for cheap insurance for felons. The premiums are based on a single male driver, comp and collision included, and no discounts are taken into consideration.
A 30-year-old driver could lower their policy premium by $286 a year by increasing from a $100 deductible to a $500 deductible, or save $430 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could shave up to $830 annually by using a higher deductible.
If you make the decision to raise deductibles, it will be necessary to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Get discounts on Las Vegas car insurance
Insurers that offer coverage for felons may also provide rate discounts that may potentially lower prices by as much as 40% or more if you meet the requirements. Large auto insurance companies and their possible discounts are outlined below.
- State Farm has discounts for safe vehicle, Steer Clear safe driver discount, accident-free, multiple policy, student away at school, and multiple autos.
- Progressive may include discounts for multi-vehicle, homeowner, continuous coverage, online signing, good student, multi-policy, and online quote discount.
- Progressive offers premium reductions for online signing, multi-policy, online quote discount, continuous coverage, and multi-vehicle.
- MetLife has savings for multi-policy, defensive driver, claim-free, accident-free, good driver, good student
- Farm Bureau may offer discounts for 55 and retired, renewal discount, driver training, good student, multi-policy, multi-vehicle, and youthful driver.
- GEICO offers discounts for good student, membership and employees, anti-theft, anti-lock brakes, five-year accident-free, and air bags.
- SAFECO may have discounts that include anti-theft, bundle discounts, teen safety rewards, homeowner, and teen safe driver.
The chart below compares insurance premiums with and without discounts applied to the rates. The price estimates are based on a male driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, accident-free, safe-driver, multiple policy, passive restraint, and vehicle safety discounts applied. In this example, the average savings per year on auto insurance for felons is 28% or $542.
Why are you paying too much for Las Vegas car insurance?
Las Vegas, NV auto insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Improving your credit rating, adding a teenager to your policy, or getting a ticket for careless driving can cause premium changes that can make some companies more affordable than others.
Not only that, but car insurance companies change prices at least once a year in order to offset underwriting gains or losses. Unexpectedly high claims may result in rate hikes, while lower claims may result in lower-cost Las Vegas car insurance rates.
For instance, the chart below shows rates for the cheapest car insurance in Las Vegas, NV for a 40-year-old male driver with no prior claims, no tickets, and a high credit rating. If we compare prices based on his current risk factors, Allied quotes the lowest car insurance rates in Las Vegas at $1,643 a year. This is $69 more than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family also make the list of the cheapest Las Vegas, NV auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart a chargeable accident, bad credit, and a traffic citation. Due to the fact that every insurance company uses a different method to determine rates, analyzing rates may now show a significantly different list of the cheapest Las Vegas car insurance companies as shown below.
Travelers now has the best auto insurance rate in Las Vegas with GEICO, Nationwide, USAA, and Capital now rounding out the top five. This shows why it is critical to compare lots of rates to get the most economical car insurance quotes for felons. Insurance rates are made up of many factors and can increase or decrease at any time, so the most economical option when you bought your policy may now be one of the more expensive options.
The agents listed below can probably aid you in deciding which auto insurance policy fits you best, as lots of people like to have a professional recommendation when shopping around for cheaper insurance for felons. It can be time-consuming to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can give satisfaction knowing you have decent coverage if you have a claim. To locate a Las Vegas auto insurance agent near you, click the button at the bottom of the list.
- A Dependable Insurance Agency
7150 N Durango Dr #130 – Las Vegas, NV 89149 – (702) 880-9000 - Lanny Maren CIG Insurance Las Vegas
4175 S Riley St #200 – Las Vegas, NV 89147 – (702) 597-5998 - AmeriSent Insurance
6070 S Eastern Ave #400 – Las Vegas, NV 89119 – (702) 456-1400
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How to find budget-friendly insurance for felons
It is possible to find better rates, and here are some of the better thrifty suggestions that can help you get cheap car insurance.
- Bundle home and auto and save
- Vehicles with good safety ratings are usually cheaper to insure
- Remove physical damage coverage on older vehicles
- Avoid accidents and claims
- Avoid filing excessive claims
- Speeding tickets and other violations increase rates
- Compare price quotes at least once a year
That final tip is highly vital, as we pointed out in the prior information. Car insurance rates in Las Vegas can change significantly in a year, so drivers shouldn’t be resistant to switch to a new company if a cheaper price is available. Brand loyalty is great, but it isn’t a good idea if your bullheadedness ends up costing you a small fortune. In just a couple of minutes you could compare rates and find cheaper auto insurance for felons.